Locum Insurance - at a glance

For full details of the policy and how it would work for you, call 023 8051 3286 or This email address is being protected from spambots. You need JavaScript enabled to view it..

In the meantime, here’s a summary.

No need to hire a locum – or provide receipts to make a sickness claim.

Choice of Continuity of Cover or Annually renewable – with a price differential

Continuity of Cover – unlike our competitors who tell you what they won’t do we tell you what we will do. Your policy will say: ‘‘…the terms applying at the Effective Date shall continue for as long as the Insured continuously renews this policy. Any increase or change will be underwritten accordingly at the time of the amendment.’

Deferment period – choose from 2, 4, 6, 8, 12 or 26 weeks; the longer the period, the lower the premium

Benefit period – choose any period up to 52 weeks

Recurring illness – when you return to work, but the same illness recurs within 13 weeks, no deferment period will apply to the subsequent absence

Anxiety/stress/depression cover – included

Pregnancy related illness cover – included

Winter sports – included

Normal holiday activities – included

Accidental death or injury – lump sums of up to £10000 paid

Eligibility – all partners/staff

Plus, depending on the Level of Cover you select:

Compassionate leave – no deferment period applies. Up to 4 weeks’ benefit paid

Maternity benefit – a lump sum benefit of up to £2500

Paternity/adoption benefit – a lump sum benefit of up to £2500

Jury service – no deferment period applies. Up to 52 weeks’ benefit paid